Presented by your Benefits Team: Vickie Del Bello, Director of Benefits Dorothy Webster, Benefits Coordinator Brittany Waters, Benefits Coordinator Sara Aranda, Benefits Coordinator

ERSBENEFITS

PHASE 3 SJC SUMMER ENROLLMENT JULY 10 – July 24, 2015

SJC Perks If you here this sound, it means you get an extra benefit

Can be covered until the age of 26 on health insurance – regardless of marital or educational status If child is married, dental insurance, AD&D and dependent life insurance is not available. DEPENDENT CHILDREN -Employee required to submit documents to ensure dependents are eligible for coverage. -Example of Required Documents: Birth Certificates, Marriage License, Tax Returns -Will be contacted by Aon Hewitt for documentation submission. Ongoing DEPENDENT AUDIT

The state pays full premium for full-time employee health coverage San Jacinto College pays a portion of the premium not covered by the state for dependents. Monthly Premiums (effective 09/01/2015) Employee only$ Spouse$ (+$11.18) + Children$ (+$7.50) + Family$ (+$18.68)

United HealthCare – Plan Administrator Point-of-Service (POS) plan with direct access for eye exams and OB/GYN. A PCP is must be selected to receive In-Network benefits. Referral is required for specialist visits. PCP Office Visit: $25 copay Specialist Office Visit: $40 copay

Annual out-of-pocket maximums (increase from FY14) $6,450 individual, $12,900 for family Includes copays, coinsurance and pharmacy deductibles Urgent care facility benefits $50 copay + 20% coinsurance (In-Network) $5,000 Basic Group Life Insurance for employee United HealthCare Vision Rider program Specialist copay, includes discounts at certain providers for frames, lenses or contacts. UnitedHealth Allies Program Smoking cessation, weight loss & disease management programs, Fitness club, cosmetic dentistry, fitness apparel & other discounts.

CAREMARK Tier 1 Generic Tier 2 Preferred Tier 3 Brand Specific Deductible Each participant must pay a $50 annual deductible Non-maintenance drug bought at a participating retail pharmacy $10 up to a 30-day supply $35 up to a 30-day supply $60 up to a 30-day supply Maintenance drug bought at a participating retail pharmacy $20 up to a 30-day supply $45 up to a 30-day supply $75 up to a 30-day supply Maintenance drug bought through a mail order pharmacy $30 up to a 90-day supply $105 up to a 90-day supply $180 up to a 90-day supply Deductible now based on calendar year instead of fiscal year. New deductible resets January 1, 2016.

New HMO Plan available September 1, 2015 Available to the following counties: Brazoria, Fort Bend, Galveston, Harris and Montgomery More information will be available from ERS in July.

The state pays full premium for full-time employee health coverage San Jacinto College pays a portion of the premium not covered by the state for dependents. Monthly Premiums (effective 09/01/2015) Employee only$ Spouse$ Children$ Family$231.24

Rate is dependent upon how many tobacco users are covered on health insurance All employees are required to certify. Choose To Quit(CTQ) program available to receive refund of tobacco fee each year. CoverageFee You, Spouse, or Child ONLY$30 You + Spouse$60 You + Spouse + Child$90

Humana Dental (HMO) State of Texas Dental Choice Dentist Must use participating DentistChoose any dentist Deductibles NoneUp to $100 per individual, per calendar year Coinsurance Varying according to service Specialty Dentistry Dentist will charge you 75% of his/her usual fee; Dental HMO $0 You pay $0 to 60%, depends on service classification Maximum Annual Benefit Unlimited annual and lifetime benefit$1,500 maximum calendar year benefit (excludes orthodontic & preventative services) Pays 40% for in-network services after maximum is met. Average cost of cleaning/oral exams Varying according to service Up to two cleaning/oral exams per calendar year allowed No cost Up to two cleaning/oral exams per calendar year allowed Average cost for Orthodontic Coverage Orthodontic services performed by a general dentist listed in the directory with an "0" treatment code: child - $1,800, adult - $2,100. Orthodontic services performed by specialist: See coinsurance above. Orthodontic services are only available to dependents age 19 or younger. You pay 50% of allowed amount. You may be required to pay the difference between the allowed amount and billed charges. Maximum lifetime benefit of $1,500. Dental Insurance Administered by Humana Dental

Not an insurance plan – No claims to file No Deductible No copayments Save 20% - 60% on most dental work Includes routine oral exams, unlimited cleanings, dentures, roots canals and crowns 20% savings on orthodontics Includes braces and retainers for children and adults Save on cosmetic services like veneers and whitening Dental Discount Administered by Careington International

Humana Dental (DHMO) plan Employee only$ Spouse$ 4.80 (-$0.20) + Children$ 6.70 (-$0.30) + Family$11.50 (-$0.46) Dental Discount Plan Employee only$ Spouse$ Children$ Family$2.70 State of Texas Dental Choice Employee only$ Spouse$12.14 (+$0.34) + Children$17.00 (+$0.48) + Family$29.14 (+$0.84) After tax deduction

SJC pays premium for 2x annual salary Evidence of Insurability (EOI) must be completed and approved if elected during summer enrollment. May elect to pay premium for 3x or 4x EOI must be completed and approved. Rates are age-banded Maximum coverage amount of $400,000 Cost Example: 12 month salary: $35,000 Age: 37 2x Monthly Premium: $6.00 (SJC Pays) 3x Monthly Premium: $3.00 (Employee Pays) 4x Monthly Premium: $6.00 (Employee Pays) Optional Life Insurance

$5,000 term life policy with AD&D rider Unlimited number of dependents EOI required if elected during Summer Enrollment Monthly Premium: $1.38

Voluntary AD&D Protection for you and your family in the event of accidental death or certain accidental injuries Coverage from $10,000 to $200,000 Employee Only$0.02/$1,000 of coverage Maximum Premium: $4.00/month Employee + family$.04/$1,000 of coverage Spouse covered at 50%, children at 20% Maximum Premium: $8.00/month

Premium $0.30/$100 of monthly salary Up to 66% of monthly salary (max $10,000) or $6,600, whichever is less Must exhaust all leave 30 day waiting period Benefits are paid for up to 5 months EOI required if elected during Summer Enrollment

Premium: $0 (San Jacinto College Pays) Up to 60% of monthly salary (maximum $10,000) or $6,000, whichever is less Must exhaust all leave 180 day waiting period Benefit period depends on age when you become totally disabled. EOI Required if elected during Summer Enrollment

New administrator – ADP Set up a new online account Website: Online: September 1, 2015 Health Care Copays, prescriptions, coinsurance, eyewear Minimum annual contribution: $180 Maximum annual contribution: $2,544 (+$50 from last year) Debit Cards will be mailed to ALL participants – No fee Dependent Care Daycare, summer camps Minimum annual contribution: $180 Maximum annual contribution: $4,996 No longer a debit card option Annual Administrative Fee: $12 – FY2016: No Fee TexFlex Pre-Tax Spending Account

ERS Discount Purchase Program Available to employees, retirees, and their immediate families Discounts on many products and services, from computers to theme park passes. No sign-up fee Visit today at to start saving!

ERS Designation of Beneficiaries - Visit to update your beneficiaries. For assistance, please contact ERS directly at TRS Designation of Beneficiaries - Complete the TRS 15 form, have it notarized, and submit it to TRS at 1000 Red River Street, Austin, TX

AdditionalBENEFITS

Employee only $9.03 Employee + 1 dependent $18.06 Employee + Family $25.21 $10-copay for exam Frames or contacts every 12 months Discounted laser surgery Access legal counsel and advice from qualified lawyers Identity theft protection plans available.

Supplemental insurance used to cover costs incurred as a result of certain events. Accident, disability, wellness, cancer, etc Costs vary according to salary, age, and elections. Portable benefits Can add family members to policies Will be attending Vendor Fairs next week Mental Health Family/parenting Issues Grief or bereavement Eldercare issues Marital or relationship problems Alcohol or drug problems Work or personal stress Copping with Change Financial Tax/IRS Questions Retirement Planning Credit Service College Tuition Planning Personal budgeting Debt Consolidation Legal Free Simple Will Identity theft protection Bankruptcy & Credit Divorce & Family Matters Estate Planning Consumer rights $0.00 – SJC Pays For more information please visit or call

All employees can participate in a 403(b) and/or 457 plan. Maximum annual contributions based on age are set by the IRS. Current annual maximums: Under age 50$18,000 Over age 50$24, Board approved vendors to choose from

SUMMER BENEFITS ENROLLMENT JULY 10 – July 24, 2015

SUMMER BENEFITS ENROLLMENT JULY 10 – July 24, 2015

Legal Disclaimer: All information presented is subject to change. The Plan Document pertinent to each benefit supersedes any information provided.